[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.d3bc.cz\/podminky-pro-ziskani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.d3bc.cz\/podminky-pro-ziskani-hypoteky\/","headline":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","description":"Nen\u00ed tomu tak d\u00e1vno, kdy sta\u010dilo bance dok\u00e1zat, \u017ee jste schopni dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm a dos\u00e1hli jste na 100% hypot\u00e9ky. Nyn\u011bj\u0161\u00ed situace je u\u017e pon\u011bkud <a class=\"more-link\" href=\"https:\/\/www.d3bc.cz\/podminky-pro-ziskani-hypoteky\/\">\u010c\u00edst d\u00e1le ...<\/a>","datePublished":"2021-04-12","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.d3bc.cz\/author\/#Person","name":"","url":"https:\/\/www.d3bc.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"d3bc.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.d3bc.cz\/wp-content\/uploads\/star%C3%A9%20ruce_2.jpg","url":"https:\/\/www.d3bc.cz\/wp-content\/uploads\/star%C3%A9%20ruce_2.jpg","height":0,"width":0},"url":"https:\/\/www.d3bc.cz\/podminky-pro-ziskani-hypoteky\/","about":["Finance"],"wordCount":409,"articleBody":"      Nen\u00ed tomu tak d\u00e1vno, kdy sta\u010dilo bance dok\u00e1zat, \u017ee jste schopni dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm a dos\u00e1hli jste na 100% hypot\u00e9ky. Nyn\u011bj\u0161\u00ed situace je u\u017e pon\u011bkud jin\u00e1, podm\u00ednky pro z\u00edsk\u00e1n\u00ed se neust\u00e1le p\u0159itvrzuj\u00ed a na hypot\u00e9ku dos\u00e1hne st\u00e1le men\u0161\u00ed procento lid\u00ed. I kdy\u017e je v sou\u010dasn\u00e9 dob\u011b na trhu p\u0159ebytek likvidity a banky doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta, nov\u011b nastaven\u00e9 podm\u00ednky \u010cNB z dubna 2020 p\u0159esn\u011b definuj\u00ed, kdo hypot\u00e9ku m\u016f\u017ee z\u00edskat. Za zam\u00edtnut\u00fdm \u00fav\u011brem tak nehledejte neochotu bank p\u016fj\u010dovat, ale slo\u017eitou legislativu. \u010cesk\u00e1 n\u00e1rodn\u00ed banka pravideln\u011b aktualizuje a upravuje z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru. Poskytovatel\u00e9 \u00fav\u011bru jsou nav\u00edc v \u0161achu d\u00edky insolven\u010dn\u00edmu z\u00e1konu a nen\u00ed se tak \u010demu divit, \u017ee si ka\u017ed\u00e9ho \u017eadatele p\u0159edem dostate\u010dn\u011b prov\u011b\u0159\u00ed, ne\u017e mu nab\u00eddnou jak\u00fdkoliv \u00fav\u011brov\u00fd produkt. Podm\u00ednky u jednotliv\u00fdch bankovn\u00edch spole\u010dnost\u00ed jsou rozd\u00edln\u00e9, p\u0159esto se najde n\u011bkolik z\u00e1kladn\u00edch podm\u00ednek, kter\u00e9 se v\u00edce \u010di m\u00e9n\u011b u ka\u017ed\u00e9 spole\u010dnosti opakuj\u00ed. U n\u011bkter\u00fdch bank se tak m\u016f\u017eete setkat s p\u0159\u00edsn\u00fdmi podm\u00ednkami, jin\u00e9 jsou ke sv\u00fdm potencion\u00e1ln\u00edm klient\u016fm p\u0159eci jenom o n\u011bco shov\u00edvav\u011bj\u0161\u00ed. Nejv\u011bt\u0161\u00ed \u0161anci na \u00fasp\u011bch v\u0161ak nab\u00edzej\u00ed st\u00e1le nebankovn\u00ed hypot\u00e9ky, kter\u00e9 nab\u00edz\u00ed p\u0159ev\u00e1\u017en\u011b americkou hypot\u00e9ku https:\/\/www.fahd.cz\/americka-hypoteka-nebankovni\/. V\u011bk \u017eadateleAsi nikoho nep\u0159ekvap\u00ed, \u017ee minim\u00e1ln\u00ed v\u011bk, kdy je mo\u017en\u00e9 o hypot\u00e9ku \u017e\u00e1dat je v\u011bk 18 let. Horn\u00ed hranici pro uzav\u0159en\u00ed smlouvy o hypot\u00e9ce u\u017e z\u00e1kon nijak v\u00edce nespecifikuje. Je tedy pot\u0159eba vych\u00e1zet z logick\u00e9ho uva\u017eov\u00e1n\u00ed a spo\u010d\u00edtat si, do jak\u00e9ho v\u011bku jste schopni spl\u00e1cet. Obecn\u011b se ale ud\u00e1v\u00e1, \u017ee o hypot\u00e9ku je dobr\u00e9 \u017e\u00e1dat je\u0161t\u011b v produktivn\u00edm v\u011bku, nebo\u0165 pozd\u011bji jsou u\u017e \u0161ance na \u00fasp\u011bch minim\u00e1ln\u00ed. Stabiln\u00ed p\u0159\u00edjemP\u0159\u00edjem je pro \u0159adu bank hlavn\u00ed ukazatel, zda je \u017eadatel schopen v dan\u00e9 v\u00fd\u0161i spl\u00e1cet. Z m\u011bs\u00ed\u010dn\u00ed bilance p\u0159\u00edjm\u016f a v\u00fddaj\u016f si m\u016f\u017ee banka snadno zjistit pot\u0159ebn\u00e9 informace.                                                                                                                                                                                                                                                                                                                                                                                           4.8\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","item":"https:\/\/www.d3bc.cz\/podminky-pro-ziskani-hypoteky\/#breadcrumbitem"}]}]